Local · Adams & Jefferson Counties
Mortgage Lender in Westminster, Colorado
My office is at 120th and Tejon. If you are buying in Westminster, you can sit across a desk from the person underwriting your scenario.
Overview
Westminster is two counties pretending to be one city. That matters to your loan.
The city line runs across Adams and Jefferson counties, and which side of it your house sits on changes your property tax mill levy, your school district, and which county-level assistance programs you can use. Buyers in Legacy Ridge, The Ranch and the Standley Lake area are usually in Jefferson County; buyers near Orchard Town Center, Huron Park and along the Tejon corridor are usually in Adams. It is one of the first things I check on a Westminster file, because the tax figure changes the payment and the payment changes what you qualify for. For 2026 the FHA limit across the Denver metro — Adams and Jefferson included — is $862,500, and the conforming limit is $832,750, which means most of Westminster is comfortably inside conventional and FHA territory without needing jumbo financing.
Who I work with here
Westminster buyers I help most often
- First-time buyers using CHFA assistance in Adams or Jefferson County
- Adams 12 and Jeffco school district employees
- Veterans and Space Force families commuting to Buckley
- Self-employed north-metro business owners and contractors
- Move-up buyers in Legacy Ridge, Bradburn and The Ranch
- Investors buying near Westminster Station and the B Line corridor
Programs
What works well in Westminster
CHFA down payment assistance
Colorado’s housing authority offers up to $25,000 toward down payment and closing costs. See how CHFA works.
CHFA Schools to Home
Adams 12 Five Star and Jeffco Public Schools employees can access up to 25% of the loan in assistance. Read the fine print first.
VA with no lender fees
Westminster sits within commuting distance of Buckley Space Force Base. I waive my lender fees on every VA loan.
FHA at 3.5% down
With a $862,500 metro limit, FHA financing covers essentially every price point in the city.
Self-employed financing
The north metro is full of contractors and small business owners. Bank statement loans qualify you on deposits, not tax returns.
Homes to Heroes
Westminster Police, Fire and the districts’ teachers qualify for a 1% lender credit toward closing costs.
Buying in Westminster? Let us talk in person.
I am at 12001 Tejon Street, Unit 128. Call (303) 557-3846, text (303) 264-8028, or start online.
Common questions about buying in Westminster
Is my Westminster home in Adams County or Jefferson County?
Both counties run through the city. As a rough guide, addresses around Standley Lake, Legacy Ridge and The Ranch are usually Jefferson County; addresses along the Tejon corridor, Huron Park and near Orchard Town Center are usually Adams. It matters because the mill levy differs, and the property tax figure goes straight into your qualifying payment. I confirm the county by address before writing a pre-approval.
What is the FHA loan limit in Westminster for 2026?
$862,500 for a single-family home. Westminster sits in the Denver metro FHA area, which covers Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson and Park counties. The 2026 conforming limit for conventional financing is $832,750.
Can I use CHFA down payment assistance in Westminster?
Yes. CHFA programs are statewide, so Westminster buyers on either side of the county line can use them — up to $25,000 toward down payment and closing costs, structured as a grant or a second mortgage. If you work for Adams 12 Five Star Schools or Jeffco Public Schools, CHFA Schools to Home may offer considerably more, though it carries a shared-appreciation structure worth understanding before you sign.
I also lend across the metro: Denver · Arvada · Thornton · Brighton · Broomfield · Aurora · VA loans in Colorado Springs